Ca Suravi Garg Email and Phone Number

• Analytical risk assessment and monitoring of United Kingdom based real-estate portfolio of 20-25 borrowers with average loan value ranging between GBP5 million to GBP25 million.• Hawk-eyed approach to identify early-warning triggers and proactively initiating risk mitigating process while ensuring compliance with legal documents, credit policies, conditions & collaterals• Deep dive into financial statements, budgets, cost reports, variances, covenants, credit metrics and cash flows to ensure managed risk appetite• Manage PD, LGD, EAD and macro-economic forecasts for provisioning, impairment and portfolio management purposes• Developing detailed dashboards, preparing credit papers and monitoring reports to communicate findings, analysis, and insights with senior management and internal teams• Integral involvement while working with UK based counterparts to deliver high quality service to clients• Manage team of analysts and associates across entire credit risk lifecycle and credit model development

• Assessment, recommendation & surveillance of bank loan ratings assignable to mid-corporate customer segment - portfolio size of 10-12 cases (monthly)• Analyze existing financial position, evaluate financial ratios & synthesizing results in order to adjudge the credit worthiness of the organization• Research on industry-wise trend and tracking any unforeseen changes which can adversely impact the company's business, financial and liquidity parameters• Interaction with CFOs, MDs, investors & intermediaries to understand their perspective on market phenomenon & established perpetual relationship• Monthly visits to the factories/manufacturing units to be cognizant of the nature of the business and comprehend in-depth knowledge of the inherent risks• Drawing up of extensive spreadsheets to lay down the projections coupled with comprehensive rating notes• Independently presenting the notes to rating committees, strongly delivering arguments supporting the advocated ratings & secure desirable outcomes• Preparing Rating Rationale & Credit Rating Report for publicationsActively assisting subordinates to hold meetings, prepare rating materials & resolve analytical queries

• Prepared reports and materials to assist with Internal Audits, Tax Audits, Stock & Fixed Asset Audits of private companies, charitable trust and various entities• On-site visits to carry out audit while maintaining & enhancing internal controls to preserve confidentiality of records• Filing tax return & conducting technical and analytical reviews to check for accuracy & qualified deductions• Accompanying seniors in successfully completing Bank Audits (both Statutory and Concurrent) for State Bank of India, Bank of India and Union Bank of India